Hello I am not active here - can't see the point of this site really. convince me otherwise
Hello I am not active here - can't see the point of this site really. convince me otherwise
Member since:12.06.2003
Reviews:14
Members who trust:3
And its possibly the best bank I've come across.
In that time there hasn't been any problems with the operation of my current account at all. They have flawlessly set up my directdebit mandates, my standing orders, and processed my bill payments without flinching.
All they way through, they have been helpful and responsive to my needs and demands.
I joined, and got a cheque book and card :) 12 years later, I still have those, but more besides... I have a relationship with my branch and its staff. No longer do the counter staff call me Dr Daley, but they call me Andy, and we chat about my rugby league team, work, christmas, kids etc. It is a pleasure to go to the branch and the staff are incredibly friendly.
I was happy in the beginning, but then telephonebanking was introduced, and that gave me 24 hr access to my account to do simple things, and that access is still there. From memory you can pay automated bills (ie you have already set up the account to accept instructions beforehand), check balances, request statements etc 24 hrs a day and I think you can speak to someone 12 hrs a day.
I say "think", and "from memory" because over the last few years I have either visited the branch personally, or used the internet access facility. Right now I could be paying a bill.
The Internet banking facility is easy to operate and straightforward, with enough checks to make sure you are certain about paying bills etc, before any transaction is processed.
AN have always been efficient with me, which I believe is going against the grain from some of the other reviews I have read, but I have never had a problem, and that’s why this is so positive.
Their bank account is particularly good. After all, that’s what we are reviewing in this section.
You can choose from "in credit" rates of interest or "overdrawn" rates of interest. I think you need to deposit a minimum of £1000 per month to be able to attract the "in credit" interest, but I am not sure. The difference is that if you choose to have the "in credit" rate, you get a high rate of interest when in credit, but a hefty penalty (normal rates) when going overdrawn, and the "overdrawn" rate means you aren't charged a lot of APR for borrowing money, but you dont get much interest when in credit either.
One of these options will not just suit you they can increase your finances too.
I would recommend Abbey National, after all I have been treated well - their bank account is excellent.
Oops, I should have said what they charge for... if you want a complete list, then comment or message me, and I will supply details. But you are charged a whopping £5 over the counter to pay bills !!! It's free if you set up your bill payments facility, an they you can pay bills via ATMs, Phone or internet banking, completely free :)
How helpful would this review be to a person making a buying decision? Rating guidelines
I'm sorry but I disagree with your view completely. Whilst the branch staff are always helpful and very cheerful their level of customer service when using the 24 telephone banking line is shocking and you don't mention this in your opinion. Since they moved the call centre to Bangalore I have had nothing but trouble and now have to go to a branch rather than use the phone. When I had a card stolen it took an hour on the phone to cancel it, the opertaor could hardly speak a word of English and then proceeded to put a stop on the wrong card. As this was over a weekend, until I went to the branch to query why my other card had stopped someone had been having a field day with the card that had been stolen. That was over 2 months ago and I'm still waiting for it to be rectified. That isn't good customer service as far as I'm concerned. I found your opinion helpful though and I'm glad you don't have any problems with them. Steve :o)
purplelynne 31.10.2004 20:33
I was with them years ago, and was really impressed. Lynne x
Sunshine22 23.10.2004 07:20
It 's nice to read a more positive review on the AN Thank you ~ Carol
Advantages: Regular bank accounts are provided with Visa Debit cards and good overdraft facilities. Disadvantages: Rude customer service, mistakes frequently made, banking systems often go down, extortionate unauthorised overdraft fees.
killstrelok 16.01.2009 (16.01.2009)
·
Read review
Ciao members have rated this review on average: very helpful
Review of Abbey
Oct 13th, 2004
exceptional by (4%):
very helpful by (92%):
helpful by (4%):
